IDFC FIRST Select Credit Card

Privileges Airport Movie Offer Railway Road Side Insurance

Lounge Lounge Assistance
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Airport Lounge

Offer Details:

• The Program is applicable only on minimum monthly spends of `5000

• Enjoy 4 complimentary visits per quarter to select Airport lounges in India
• Spends done between 1st to 30th / 31st of any calendar month shall be considered for access for the
next month
• Basis spends in previous month, this benefit will be activated by 5th of next month and will be valid till
5th of consecutive month
• The above terms and conditions shall be applicable to primary card and all add on cards
• This benefit will be shared between primary and all add on cards
• Lounges are available on chargeable basis in excess of complimentary visits or during months where
lounge access has not been activated
• This program is open only for card holders carrying an IDFC FIRST Select Credit card issued in India

Offer Terms and Conditions:

1. The program is applicable at select Lounges in India, via Dreamfolks to cardholders holding an active
IDFC FIRST Select Credit Card, IDFC FIRST Family Credit Card. As a standard process, all usage of
the Participating Airport Lounges under the Program is conditional upon presentation of credit Card
and a valid air ticket or boarding pass for travel on the same or next day, at the entrance of the
Participating Lounges.
2. Access at the lounge would be given upon successful authorization of the credit card on the electronic
terminals placed at the lounges. INR 2 will be charged on the card to check the validity of the card.
3. Eligible cardholders will get access to the lounge, food & beverages as applicable under the agreement
between Dreamfolks and the lounge. Cardholder is advised to check what services and facilities are
covered under Lounge Program.
4. Complimentary entry to children below two years is on discretion of the Participating Lounges.
Cardholders are requested to check the same at the lounge entrance before entry.
5. Program is open only for card holders carrying an IDFC FIRST Select Credit Card, Employee Credit
Card issued in India. Only 1 entry per cardholder will be permitted in a visit. Additional Guest or
Services will attract extra charges.
6. Eligible cardholders will get access to 4 complimentary domestic lounge visits per quarter.
7. The program can be modified, amended, changed or revoked anytime by IDFC FIRST Bank without
prior intimation. The program is applicable in select lounges in India, this list of lounges is subject to
1 change from time to time.
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Lounge
8. The access to the lounge will be available on first-come-first-serve basis and is subject to capacity
constraints at each Participating Lounge.
2 9. Cardholders are not bound in any manner to avail the offer. Any participation by the Cardholder shall
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Offer be voluntary and the terms and conditions of the Lounge program shall be binding on the cardholders.
10. IDFC FIRST Bank or Dreamfolks assumes no responsibility in case a particular lounge operator shuts
3 down the lounge(s) due to lease not getting renewed or for any such reason beyond the purview IDFC
Railway
Lounge FIRST Bank or Dreamfolks.
11. 11. For queries or any assistance pertaining to the lounge access, customer can contact DreamFolks
4 @ 18001234109 or write at helpdesk@dreamfolks.in
Road Side
Assistance IDFC FIRST Bank @ 1800 10 888 or write at banker@idfcfirstbank.com;
12. Terms & Conditions subject to change.
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 Movie Offer

Offer details:
Buy one ticket and get up to `250 off on the second ticket on Paytm Mobile App. The offer can be used to
avail two free tickets during a month.

How to Avail Offer on Paytm Mobile App

1. Go through the regular ticketing flow for selecting the movie, cinema and show of your choice
2. To avail offer, click ‘View All’ offers. Select and click on ‘Apply’ offer on IDFC FIRST Select Credit
Card / IDFC FIRST Bank Family Credit Card or enter Promocode IDFCCCFS1 (for booking up to 3
movie tickets).
3. Enter your 16 Digit credit card number and click on ‘Apply Offer’.
4. Instant Discount shall be provided, you will have to pay the remaining transaction amount using the
same card on which you have availed the offer. Your card number will auto populate in the box. To
make the payment, enter remaining details like name on the card, expiry date and CVV.

Offer Terms and Conditions

• 1+1 On Movie Tickets - Use Promo code IDFCCCFS1 to book 2 or 3 movie tickets using an IDFC
FIRST Select Credit Card/ IDFC FIRST Bank Family Credit Card, and get a 100%
Instant Discount for one ticket up to ₹250. Offer is applicable on booking of a minimum of
two movie tickets. Offer will only be valid twice per user per card for every calendar month.
• If a user has used a Promo code IDFCCCFS1 then he can use Promo code IDFCCCFS1 one more
time during the month. This means, if in its 1st transaction a user avails the discount of one ticket
up to ₹250, then they can avail discount on one more ticket up to ₹250 during the month.
• Maximum discount that can be earned by a user in a month for two tickets is ₹500 in the split of up
to two transactions.
• The Promo code can be used to book movie tickets for any show-date.
• The offer is valid on cards with the following BIN values only: 428102.
• Paytm & IDFC FIRST Bank reserve the right to disqualify any cardholder/s from the benefits of the
program.
• Paytm & IDFC FIRST Bank reserve absolute right to withdraw and/or alter any terms andconditions
of the offer at any time.
• Cardholders shall not be entitled to compensation / benefits in any form whatsoever in lieu of
theoffer being availed.
• In case of any disputes, Paytm and IDFC FIRST Bank’s decision will be final.

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 Railway Lounge

Offer Details:
Enjoy 4 complimentary railway lounge access in a calendar quarter to participating lounges in India.

How to Avail:

• Cardholder must present their valid, unexpired eligible card and Valid train travel ticket
at the entrance to the participating lounges to avail the benefit.
• The card shall be swiped on the DreamFolks POS terminal. `2 will be charged from
the Cardholder’s account to validate the card for complimentary lounge access.

Offer Terms and Conditions:

1. The program is applicable at select Railway Lounges in India, via DreamFolks to cardholders
holding an active IDFC FIRST Bank Credit Card. As a standard process, all usage of the
Participating Railway Lounges under the Program is conditional upon presentation of credit
Card and a valid Train ticket, at the entrance of the Participating Lounges.
2. Complimentary Railway lounge access is available to both Primary and add on cardholders.
The 4 complimentary visits every quarter are shared between them on first-come-first-serve
basis.
3. Access at the lounge would be given upon successful authorization of the credit card on the
DreamFolks electronic terminals placed at the lounges. `2 will be charged on the card to
check the validity of the card. Once a valid card is swiped successfully to gain lounge access,
then the same can only be used again post 24 hours from the last access.
4. The complimentary access to railway lounge will include the below facilities:
• Two Hours of lounge stay
• A/C comfortable sitting arrangements
• 1 Buffet meal - Breakfast, Lunch or Dinner as per the time of visit. Only one Buffet meal as
per the time of visit will be provisioned to Eligible card holders.
• Unlimited tea & coffee
• Free Wi-Fi
• Newspaper and Magazine
Any additional service such as recliners or more shall be chargeable separate as per the
operator price for that service.
5. IDFC FIRST Bank or DreamFolks assumes no responsibility of the merchantability of the
services as it is an endeavour only to deliver the best possible.
1 6. IDFC FIRST Bank or DreamFolks assumes no responsibility in case a particular lounge
Airport operator shuts down the lounge(s) for any reason beyond the purview of IDFC FIRST Bank or
Lounge
DreamFolks.
2 7. The access to the lounge will be available on first-come-first-serve basis.
Movie 8. The program can be modified, amended, changed, or revoked anytime by IDFC FIRST Bank
Offer
without prior intimation.
3 9. Post 2 hours, the lounge reserves the right to ask for respective charges from the Cardholder.
Railway 10. In case the Cardholder has already used his permissible limits or if Cardholder is not eligible
Lounge
for complimentary visit, Cardholder will be liable to pay all applicable charges to the lounge.
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 11. Eligible IDFC FIRST Bank Cardholder may use its complimentary visit quota to bring one guest
into the Railway Lounge at no extra charges. Guest will need to present their valid train ticket
and any Government issued Identity proof at the entrance of the Participating Lounges. Failure
to present these items may result in access being denied. Guest access and fees shall be
subject to terms and conditions of participating lounges.

12. Children below 2 years can enjoy the complimentary lounge access at lounge operators’
discretion. However, any services or food and beverages consumed, the lounge operator
reserves the right to ask for respective charges from the Cardholder.
13. For queries or any assistance pertaining to the lounge access, customer can contact
DreamFolks @ 18001234109 or write at helpdesk@dreamfolks.in

Eligible List of Lounges

# Outlet Name Railway Station City Platform Number

1 IRCTC Executive Lounge Agra Cantt Railway Station Agra Platform 1
2 IRCTC Executive Lounge Ahmedabad Kalupur Railway Station Ahmedabad Platform 1
3 IRCTC Executive Lounge Jaipur Railway Station Jaipur Platform 1
4 IRCTC Executive Lounge Kolkata (Sealdah) Railway Station Kolkata Platform 8
5 IRCTC Executive Lounge Madurai Railway Junction Madurai Platform 1
6 IRCTC Executive Lounge New Delhi Railway Station New Delhi Platform 16
7 IRCTC Executive Lounge New Delhi Railway Station New Delhi Platform 1
8 IRCTC Executive Lounge Varanasi Cantt Railway Station Varanasi Platform 1

Road Side Assistance

Offer Details:
Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year
worth₹1399 on your IDFC FIRST Select Credit Card through Global Assure.

How to Avail:
1. IDFC FIRST Bank card holder should call Toll-free Number 1800 572 3860 to
avail Emergency Road side Assistance (RSA).
2. IDFC FIRST Bank card holder will share their Full Name, last four digits as on
card to Global Assure to claim RSA services. Upon validation of above details a
fleet vehicle will be sent to the cardholder location.
1 3. IDFC FIRST Bank card holder will show any own Govt ID proof / Car ID
Airport
Lounge (RC Copy, PUC Certificate, Insurance Copy) to the fleet vehicle agent.
RSA Service will be provided post validation and name match on Govt ID/Car ID
2 with the name on the IDFC FIRST Bank credit card.
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Offer
4. All the services to IDFC FIRST Bank card holder will be provided as per the below
mentioned terms & conditions.
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5. IDFC FIRST Bank card holder can avail up to a maximum of 4 complimentary RSA
services in ayear.
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 Terms & Conditions:

Plan Features Details

Towing of Vehicle on In the event Covered Vehicle suffers an immobilizing break
breakdown/accident down due to a mechanical or electrical fault or an accident
which cannot be repaired on the spot, Global Assure will
assist in making arrangement for the Vehicle to be towed to
the nearest Authorised Service Centre, using tow trucks in
the cities & corresponding covered area where available.
Towing Distance - Incident to Drop 50 Kms.

Alternate Battery or Jump Start In the event Covered Vehicle is immobilized, while on trip,
due to rundown battery, Global Assure will assist the
Customer by organizing for a Vehicle technician to jump
start the Vehicle with appropriate means. Global Assure will
bear labour and conveyance costs. If the run-down battery
has to be replaced with a new battery, the cost of such
battery replacement and any costs to obtain the battery will
be borne by the Customer.

Tyre Change In the event Covered Vehicle is immobilized due to a flat

tyre, Global Assure will assist the Customer by organizing
for a vehicle technician to replace the flat tyre with the
spare Stepney tyre of the Vehicle at the location of
breakdown. Global Assure will bear labour cost and round-
trip conveyance costs of the provider. Material/spare parts
if required to repair the Vehicle (including repair of flat
spare Stepney tyre) will be borne by the Customer. In case
the spare tyre is not available in the covered Vehicle, the
flat tyre will be taken to the nearest flat tyre repair shop for
repairs & re-attached to the Vehicle. All incidental charges
for the same shall be borne by the Customer.

Breakdown support In the event Covered Vehicle breaks down due to a minor
mechanical / electrical fault / accident and immediate repair
on the spot is deemed possible within the scope of
services, Global Assure shall assist Customer by arranging
for a vehicle technician to reach the breakdown location.
Global Assure will bear labour cost and conveyance costs.
Cost of Material & Spare Parts if required to repair the
vehicle on the spot and any other incidental conveyance to
obtain such material & spare parts will be borne by the
Customer.
Taxi Benefit In the event Covered Vehicle suffers an immobilizing break
1 down due to a mechanical or electrical fault or an accident
Airport which cannot be repaired on the spot, Global Assure will
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assist in making arrangement for the taxi. Taxi charges will
be borne by the customer
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 Arrangement of spare keys If the keys of the covered vehicle are locked inside the
vehicle, broken, lost, or misplaced, Global Assure (upon
the request of the customer) will arrange for the forwarding
of another set from his/her place of residence or office by
courier / in person by hand-delivery to the location of the
vehicle after receiving the requisite authorizations from the
Customer with regards to the person designated to hand
over the same to Global Assure. The Customer may be
requested to submit an identity proof at the time of delivery
of the keys.
Arrangement of fuel In the event Covered Vehicle runs out of fuel and hence is
immobilized while on a trip, Global Assure will assist
Customer by organizing for a Vehicle technician to supply
emergency fuel (up to 5 litres on a chargeable basis) at the
location of breakdown. Global Assure will bear labour and
conveyance costs. The cost of the fuel will be borne by the
customer.
Extraction or Removal of vehicle In event of vehicle being stuck in a ditch/pit/valley, Global
Assure will make the arrangement to get the vehicle
retrieved and towed to the nearest authorised service
centre at no cost to the Customer. (Free towing to & Fro up
to 50 KM)
Message relay to Global Assure will take charge of relaying urgent messages
relatives/colleagues/emergency relating to the breakdown to the authorized workshop
numbers and/or service contacts. When requested, Global Assure
will relay urgent messages on behalf of the Customers to a
designated person of their choice.
Ambulance Referral In the event Covered Vehicle suffers an immobilizing break
down due to an accident, Global Assure will assist in
making arrangement for the Ambulance. Ambulance
charges will be borne by the customer
Penalty Clause
In case Global Assure is not able to service as per the
agreement then Global Assure will reimburse customer
cost of service or ₹1,000/- whichever is less.

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 General Exclusions:
1. Any vehicle which has not been maintained regularly as per the guidelines of respective car
manufacturers and thus is not in roadworthy condition.
2. Any event where breakdown is caused by deliberately inflicted damage, vandalism or
participation in a criminal act or offence.
3. Any customer history where customer has twice on prior occasions misused or abused the
services.
4. Any event when the driver of the vehicle is found to be in any of the situations that are
indicated below:
(i) The state of intoxication or under the influence of drugs, toxins or narcotics not medically
prescribed. For these effects, one is under the effect of alcoholic drinks when the degree of
alcohol in the blood is greater than that authorized by the legislation on traffic, motor vehicle
circulation, road safety, or similar ones in the country where the incident occurs.
(ii) Lack of permission or corresponding license for the category of the Covered Vehicle or
violation of the sanction of cancellation or withdrawal of them.
5. Those accidents resulting from the illegitimate removal of the Covered Vehicle.
6. Those accidents or breakdowns that are produced when the Client or the authorized driver have
infringed upon the regulatory ordinances as far as the requisites and number of persons
transported, weight and means of things and animals that can be transported or the form of
handling.
7. Those happening while the vehicle lacks documentation or requisites (including the Technical
Inspection of the Vehicles and Obligatory Insurance) legally necessary to circulate on public
roads in the country where the Covered Vehicle is found.
8. Any vehicle involved in or liable to be involved in legal case prior to or post immobilization.
9. Those caused by fuels, mineral essences, and other inflammable, explosive or toxic materials
transported in the Covered Vehicle.
10. Any public vehicle like ambulances, taxis, police vehicles and / or fire brigade vehicles and any
other vehicle not used for private use are excluded of all the services coverage under these
general conditions.
11. Any accident or breakdown caused due to usage of the car for racing, rally and criminal activity
purposes.
12. Luggage that is not sufficiently wrapped or identified, fragile luggage or perishable products,
and any commercial goods carried in the Covered Vehicle.
13. Assistance to occupants of the Covered Vehicle different to those defined as beneficiaries.
14. Any animals carried in the Covered Vehicle.
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Airport 15. In event of any damage during towing, the maximum liability of GLOBAL ASSURE is of ₹5000
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per incidence.

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 16. Events which do not render the vehicle immobilized are not covered under the program.
Some examples of such events are given below:
• Non-functional horn.
• Faulty gauges and meters.
• Air conditioning is not working.
• Boot cannot be opened.
• Front and /or rear demisters are not working.
• Damaged door glasses.
• Broken Rear view mirror or rear windshield.
• Sunroof cannot be opened.
• Sunroof cannot be closed
• Windows cannot be opened or closed.
• Faulty Seat adjuster.
• Passenger seat belts are faulty.
• Vehicle headlights not functional.
• Illumination of warning lamps of any non-safety related lights/service warnings
lights but vehicle not rendered immobilized.
• Electronic Vehicle security systems, if fitted as standard equipment, are faulty
but do not render it immobilized or alarm is not ringing incessantly.
• ABS light lamp glows ON.
• Vehicle runs out of windscreen wiper fluid.
• Front wipers are faulty.
• Rear windscreen wiper is faulty
• Damaged or faulty fuel caps
• Any noises or unusual sound which does not render the vehicle immobilized
• Other faults in the vehicle which do not render it immobilized but need repair at the workshop.
17. The problems / situations mentioned shall not immobilize the vehicle. It is important to consider
that such a program is designed for emergencies. However, as it is endeavour of GLOBAL
ASSURE to provide best customer support. In any such case if GLOBAL ASSURE finds that
customer’s safety might be at risk or he may be in adverse situation, relevant assistance
service shall be activated as a goodwill measure.

Adverse weather conditions & Force Majeure:

It shall be our endeavor to support the covered vehicle promptly as per the terms of the program.
However, in certain adverse weather conditions such as floods, thunderstorms, heavy rains, and other
adverse conditions such as traffic congestion, political movements, civil unrest, protests etc. it may
become physically impossible to provide assistance. This may affect our ability and capabilities to
promptly support the vehicle though it shall be our priority to support the covered vehicle by
all feasible means.
1
Airport
Lounge Right of Refusal:
In case it is found at any stage that false information has been furnished by a Customer to enroll in
2 the program or in case the program is misused or abused, the services may be refused by GLOBAL
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Offer ASSURE to the Customer and the Customer in such cases, shall not have any right of claim against
GLOBAL ASSURE or IDFC FIRST Bank.
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 Insurance

Complimentary Insurance Coverages – Below insurance coverages are available to IDFC

FIRST Bank Cardholders through their Insurance partner Oriental Insurance Company Limited.
The empaneled broker for the policy who shall also assist the cardholders/legal nominees with
the Insurance claims is Howden Insurance Brokers India Pvt Ltd.
Sum Insured - FIRST
Complimentary Coverages SELECT Credit Card &
Employee Credit Card

Card Liability Cover - Covers for Lost Card Liability, Counterfeit/Skimming/Phishing

and Online Fraud Protection for transactions on Cardholder's IDFC FIRST Bank Credit
INR 50,000
Card. Cover is applicable for Active card i.e Cardholder should have done atleast 1
Purchase/ATM Withdrawal transaction during the last 30 days using their IDFC FIRST
Bank Credit Card

Personal Accident including - Covers accidental death or Permanent Disability due

sudden, unforeseen and involuntary event caused by external, visible and violent
means. Claim under this cover is payable only once irrespective of the number of INR 500,000
cards held by the cardholder. Cover is applicable for Active card i.e Cardholder should
have done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days
using their IDFC FIRST Bank Credit Card

Credit Shield-Cover in respect of the debits established against the Cardholder resulting only
from the use of the IDFC FIRST Bank Credit Card by the Cardholder in the event of an
accidental death of the Cardholder. Cover is applicable for Active card i.e Cardholder should
INR 50,000
have done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days using their
IDFC FIRST Bank Credit Card

Purchase Protection - Cover against Standard Fire and Allied perils and Burglary in
residential premises of the cardholder as per the records of the Bank only. Cover is
valid for 60 days from the date of purchase. Cover valid for purchases on IDFC FIRST INR 50,000
Bank Credit Card only. Cover is applicable for Active card i.e Cardholder should have
done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days using
their IDFC FIRST Bank Credit Card

Loss of Checked-In Baggage -

Travel Insurance covering Loss of Checked-In Baggage, Delay in Flight, Delay of
USD 100 (INR 7.5k)
Checked-In Baggage, Loss of Passport and documents. Claim would be payable only
Delay In Flight -USD 67 (INR
if the ticket is purchased from the covered card. Cover is applicable for Active card i.e
5k)
Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction during
Delay of Checked-In Baggage-
the last 30 days using their IDFC FIRST Bank Credit Card
USD 67 (INR 5k)
Loss of Passport and other
documents- USD 67 (INR 5k)
Personal Air Accident - Covers Air accidental death arising out of Aircraft, schedule Airlines
etc. Claim would be payable only if the ticket is purchased from the covered card. Cover is
applicable for Active card i.e Cardholder should have done atleast 1 Purchase/ATM INR 10,000,000
1 Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card
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Zero Card Liability Cover (Lost Card Liability, Counterfeit/Skimming/Phishing and Online Fraud
2
Movie Protection)
Offer

3 Lost Card Liability:

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Lounge • Fraudulent utilization of lost or stolen covered card including at point of sale and merchant
establishments transactions are covered.
4 • PIN based transactions are not covered.
Road Side
Assistance • Any PIN based transactions (like ATM withdrawal, Purchase, Internet and telephone etc) are
covered provided the Pin is acquired under duress by unauthorized person.
• Coverage of cards forgotten by the customer in the ATM will be covered provided the card is used
5 by unauthorized person using card no. & CVV.
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 Counterfeit/Skimming
• Losses arising out of unauthorized/ fraudulent transactions on Counterfeited/skimmed card on
ATM/POS/ EDC terminal.
• Any PIN based transactions (like ATM withdrawal, Purchase, Internet and telephone etc) are
covered provided the Pin is acquired under duress by unauthorized person.
• Losses arising out of duplicate or counterfeit cards as issued by the Bank created without the Card
holder’s knowledge.
• Counterfeit Card shall mean a Card which has been embossed or printed to pass off as a Card
issued by the Bank which is subsequently altered or modified or tampered with without consent of
the Bank.

Online Fraud Protection/Phishing

• Phishing/ account takeover Fraudulent loss or damage arising due to Information obtained by
Unauthorized Access to sensitive information such as Usernames, passwords and any card details
by masquerading as a trustworthy entity in an electronic communication which is not owned,
operated or contracted by the Insured or the Insured’s Bank Card processor.
• The coverage covers all online fraudulent utilization of Credit Cards using the authorized CVV (Card
Verification Value Code)/PIN issued to the Cardholder by the Bank.

GENERAL EXCLUSIONS:
• Fraudulent transactions done by person known to the cardholder.
• All Losses arising from breach of 2nd level authorizations.
• Vishing - Any fraudulent loss or damage arising due to information obtained by unauthorized access
to sensitive information by masquerading as a trustworthy entity in a voice communication.
• Claim due to deliberate breach of law.
• Gross Negligence.
• Any failed/ duplicate/ declined transactions by host website/ authorized bank.
• Any losses arising due to server hacking or data breach.
General Terms and Conditions
• Card holder should block/cancel the card as soon as practicable, but not more than 7 days from
the date of notification of fraud transaction via SMS/Card statement/Email/Net Banking or by
any other means.

Claim Process
•
Block / Hotlist the card by calling IDFC FIRST Bank helpline no. 1800 10 888 within 24 hours of
discovering unauthorized transactions.
• In case of Lost / stolen / skimming of Card, file a Police intimation / FIR within 24 hours of
discovering unauthorized transactions. Requirement of FIR/Diary register (Noting) is not
mandatory for Lost Card Liability/Fraud upto INR 1,00,000.
• The cardholders can call IDFC FIRST Bank helpline no. 1800 10 888 or write at
banker@idfcfirstbank.com to report the fraudulent transactions.
• The Bank/Insurance Company shall investigate the unauthorized transactions and inform the
1 cardholder about the claim process and required documentation.
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Lounge • The findings of the Bank's investigation will be final and binding on the customer.

2 Personal Accident/Air Accident/ Credit Shield/ Purchase Protection/Travel Insurance Cover

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Personal Accident (PA) - Covers accidental death or Permanent Disability due to sudden, unforeseen and
3 involuntary event caused by external, visible and violent means. Claim under this cover is payable only once
Railway irrespective of the number of cards held by the cardholder.
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1. PA Death / Permanent Disability : Minimum 1 transaction in a month i.e Cardholder should have
4 done atleast 1 Purchase/ATM Withdrawal transaction during the last 30 days using their IDFC
Road Side FIRST Bank Credit Card.
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2. Claim under this cover is payable only once irrespective of the number of cards held by the card holder.
3. In the event of Insured having multiple cards, the Personal Accident claim would be payable on
5 one card only, with maximum benefit (highest sum insured).
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 4. Personal Accident covers accidental death/disability due to sudden, unforeseen, unexpected,
unusual and involuntary event caused by external, visible and violent means, which occurs at an
identifiable time and place during the period of insurance.
5. Terrorism is covered.
6. Death due to participation in dangerous sports activities, attempted suicide, self injury, or under
influence of intoxicating liquor or drugs or any kind of natural death will not be covered.

Personal Air Accident-

1. In the event of Air accidental death arising out of Aircraft, schedule Airlines etc. as defined under the
policy the claim would be payable only if the ticket is purchased from the covered card.
2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM
Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card.
3. Claim under this policy is payable only once irrespective of the number of cards held by the card holder.
4. In the event of Insured having multiple cards, the Personal Accident claim would be payable on one
card only, with maximum benefit (highest sum insured).
5. Claim would be payable only if the same is intimated to the Insurance company within 60 days from
the date of accidental death.
6. Pilots, Armed Forces, Police, Air crew are not covered.

Credit Shield-
1. Cover in respect of the debits established against the Cardholder resulting only from the use of the
Credit Card by the Cardholder in the event of an accidental death of the Cardholder.
2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM
Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card.

Purchase Protection:
1. Cover against Standard Fire and Allied perils and Burglary in residential premises of the
cardholder as per the records of the Bank only. Cover is valid for 60 days from the date of
purchase. Cover valid for purchases on Bank credit cards only. Cover for residential address of the
card holder in India as per the records of the Bank.
2. Minimum 1 transaction in a month i.e Cardholder should have done atleast 1 Purchase/ATM
Withdrawal transaction during the last 30 days using their IDFC FIRST Bank Credit Card.
3. The Insurance company shall indemnify the valid cardholders for any item purchased using the
Credit card anywhere in the Geographical Area when such items is in transit from the place of
purchase to the residence of the card holders and when the item is contained in the residence of
the cardholder when such item is lost or destroyed due to fire, burglary, theft, riot and strike,
malicious damage, and by accidental external means for a period of 60 days from the date of
purchase of such item.
4. Cover is valid for 60 days from the date of purchase.
5. Jewellery, perishable items are not covered.
6. STFI, RSMD, SRCC are covered.
7. Cover for residential address of the card holder as per the Bank records of the cardholder only.
8. Earthquake, Terrorism are not covered.
1 9. Mysterious disappearance is not covered.
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Lounge Travel Insurance:
Loss of checked in Baggage-
2 1. Compensation up to Sum Insured will be paid in the event of the Insured suffering a total loss of
Movie
Offer Baggage while on a Journey that has been checked by an International Airline for an International flight.
2. Insured will be reimbursed for the expense incurred for emergency purchase of basic essential items
3 (Clothes, toothpaste, toothbrush etc.) in the event his baggage is lost. Invoice is not required for claim.
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Lounge 3. Valuables are not covered. Valuables shall mean photographic, audio, video, computer,
telecommunication and electrical equipment, telescopes, binoculars, spectacles, sunglasses, antiques,
4 watches, furs and articles made of precious stones and Metals.
Road Side
Assistance 4. No partial loss or damage shall be compensated.
5. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable for
Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction during
5 the last 30 days using their IDFC FIRST Bank Credit Card.
Insurance
 Delay of Checked in Baggage-
1. Insured will be reimbursed for the expenses incurred for emergency purchase of basic essential items
(Clothes, toothpaste, toothbrush etc.) in the event that he suffers a delay of Baggage of more than 12
hours from the scheduled arrival time at the destination for delivery of Baggage that has been checked
by an International Airline for an International flight.
2. A non-delivery certificate or PIR must be obtained immediately from the international airline which must
be submitted to the company in the event of a claim hereunder.
3. No Compensation Certificate from international airlines would be required to be submitted at the time of
claim. Claimant should provide the invoices of basic essential items purchased during the event.
4. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable for
Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction during the
last 30 days using their IDFC FIRST Bank Credit Card.
Loss of Passport and travel related documents-
1. Covers for reimbursement of expenses incurred in procuring travel related documents namely Passport /
Visa. All cost incurred in procuring including application fees for the lost passport including any travel
documents such as Visa in event of a loss.
2. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable for
Active for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction
during the last 30 days using their IDFC FIRST Bank Credit Card.
Exclusions:
1. Any flight of an international or National Airline for an international inbound flight to Republic of India.
2. Any loss or damage resulting from or arising out of or in connection with terrorism or terrorist activity.
3. On duty Pilots, armed forces, police, air crew are not covered.
Delay in Flight:
1. Compensation up to Sum Insured will be paid in event an international flight of an international
Airline in which the Insured is travelling arrives at the destination after 12 hours from the
scheduled arrival time. Proof of delay of flight must be provided by obtaining the Certificate(s)
from the concerned authorities.
2. Claim would be payable only if the ticket is purchased from the covered card. Cover is applicable
for Active card i.e Cardholder should have done atleast 1 Purchase/ATM Withdrawal transaction
during the last 30 days using their IDFC FIRST Bank Credit Card.
Exclusions:
The Insurance Company shall not be liable to make any payment for any claim under this Benefit of the
Policy in respect of an Insured Person, directly or indirectly for, caused by, arising from or in any way
attributable to any of the following:
1. Delayed arrival of the Insured Person or Travelling Companion.
2. Any delayed departure caused by a Strike or industrial action known to exist or capable of being
anticipated at the time the Trip was booked.
3. If the Common Carrier is taken out of service on the instruction of the Civil Aviation Authority, or
any other governmental authority.
1 General EXCLUSIONS for all Insurance Coverages:
Airport
Lounge
• Any flight of an International or National Airline for an international inbound flight to Republic of India.
• No partial loss or damage shall be compensated.
2 • Valuables in the baggage will not be covered.
Movie • Any loss or damage, resulting from or arising out of or in connection with terrorism or terrorist activity.
Offer
• On duty Pilots, armed forces, police, air crew are not covered.
• Any act of terrorism is not covered.
3
Railway • Death due to participation in dangerous sports activities, attempted suicide, self-injury, or under
Lounge influence of intoxicating liquor or drugs, or any kind of natural death will not get covered in the policy.
• Jewelry, perishable items are not covered.
4 • Earthquake, Terrorism is not covered.
Road Side
Assistance
• Mysterious disappearance is not covered.
• Gross Negligence is not covered.
• Any claim due to deliberate breach of law would not be payable.
5 • Any losses arising due to bank server hacking or data breaching of bank.
Insurance • Fraudulent transactions done by person known to the cardholder.
 TERMS AND CONDITIONS

Claim intimation period:

1. Card Liability Covers (Covers for Lost Card Liability, Counterfeit/Skimming/Phishing/ Vishing and
Online Fraud Protection) : Cardholders should report the claim within 24 hours of the incidence.
2. Personal Accident Cover: Cardholder/Nominee has to report the claim within 90 days from the
date of death/Permanent disability and documents should be submitted within 60 days from the
date of intimation to insurance company.
3. All other Insurance Covers Cardholders should report the claim within 30 days from the date of
incident. Claim documents are to be submitted by Card holder within 60 days from the date of
intimation.
Travel insurance and Air Accident Insurance will be applicable only if the ticket is purchased using
IDFC FIRST Bank Credit Card.
For All Insurance Coverages, there would be active condition applicable for the covered Card in the policy.
There should be atleast 1 transaction i.e Purchase/POS/ATM in last 30 days using the IDFC FIRST Bank
Credit Card.
Deductible on Travel Insurance: Flight Delay- 12 Hours
Delay of Checked-In Baggage- 12 Hours
Insurance Claim Process for Personal Accident/Air Accident/ Credit Shield/ Purchase Protection/
Travel Insurance
For Personal Accident and Air Accident: In the event of loss of life of Cardholder due to the Accident,
legal nominee must intimate the Bank and Howden.
Claim Reporting Timelines: Intimation to Bank/Howden should be made within 90 days from the date of
accident.
Claim documents are to be submitted within 60 days from the date of intimation to the Howden/ Oriental
Insurance Company.
For Credit Shield, Purchase Protection and Other Travel Insurance Related Claims: - In the event of
loss Cardholder must intimate the Bank and Howden.
Claim Reporting Timelines for Cardholder: Intimation to Bank/Howden should be made within 30 days
from the date of Incident.
Claim documents are to be submitted by Card holder within 60 days from the date of intimation to
Howden/ Oriental Insurance Company.
Step 1: Cardholder will intimate the claim via email to Howden Insurance Brokers India Pvt. Ltd. at given
ids
To - alpesh.bhavsar@howdenindia.com
Cc- sudeep.sudevan@howdenindia.com
jinesh.shah@howdenindia.com
1 anish.pillai@howdenindia.com
Airport
Lounge
The below details need to be included in the intimation mail.

2 1. Card Number
Movie 2. Name of the Cardholder
Offer
3. Claim amount
4. Date of Incident
3 5. Type of Claim
Railway
Lounge
6. Date and time intimation to Bank

Step 2: Claim reference number will be shared to the Cardholder post registration of the claim.
4 Cardholder can use claim reference number for claim tracking purpose
Road Side
Assistance Step 3: Once claim is notified/registered; Cardholder must share the documents for Claim settlement to
Howden Insurance Brokers/ Oriental Insurance Company within above given timelines

5 Step 4: All claim documents should be couriered to below given Address:

Insurance
 Alpesh Bhavsar
Howden Insurance Brokers India Pvt Ltd
6th floor, Peninsula Chambers, Peninsula Corporate Park,
Lower Parel, Mumbai – 400013
D: +91 022 66558888 M: +91 9096114755
Step 5: Scanned copy of original claim documents should be emailed to the below mentioned email ids.
To - alpesh.bhavsar@howdenindia.com
Cc- sudeep.sudevan@howdenindia.com
jinesh.shah@howdenindia.com
anish.pillai@howdenindia.com

Step 6: Claims will be processed within 30 working days after submission of all the documents
mentioned in the Below list.

CLAIM DOCUMENTATION

FOR PERSONAL ACCIDENT CLAIM

1. Claim form dully filled and signed by the nominee- Original.

2. Destroyed card copy (if not available, IDFC FIRST Bank declaration needs to be provided).
3. Copy of Death Certificate- Notarized/Attested by Gazette officer.
4. Copy FIR Copy- Notarized/Attested by Gazette officer.
5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer.
6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer.
7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer (Pan Card Copy,
Address Proof, 2 Passport color photos of claimant).
8. Indemnity cum declaration bond on a Rs.50 / 100 /- stamp paper (Legal heir certificate)- Original).
9. Consent letter from other legal heirs on a Rs.50 / 100 /- stamp paper (No objection certificate by
other legal heirs) – Original.
10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque of the
nominee-Original (for direct fund transfer).

FOR AIR ACCIDENTAL CLAIM

1. Claim form dully filled and signed by the nominee- Original.

2. Destroyed card copy (if not available, IDFC FIRST Bank declaration needs to be provided).
3. Copy of Death Certificate- Notarized/Attested by Gazette officer.
4. Copy FIR Copy- Notarized/Attested by Gazette officer.
5. Post-mortem Report or Viscera Report- Notarized/Attested by Gazette officer.
1 6. Copy of Panchnama (Spot and/ or Inquest) -Notarised/ Attested by Gazeted officer.
Airport
Lounge 7. If claim amount> 1lakh, AML Documents - Notarised/ Attested by Gazetted Officer (Pan Card
Copy, Address Proof, 2 Passport colour photos of claimant).
2 8. Indemnity cum declaration bond on a Rs.50 / 100 /- stamp paper (Legal heir certificate)- Original).
Movie
Offer 9. Consent letter from other legal heirs on a Rs.50 / 100 /- stamp paper (No objection certificate
by other legal heirs) – Original.
3 10. NEFT mandate form duly filled in by the claimant and verified by bank with cancelled cheque
Railway
Lounge of the nominee-Original (for direct fund transfer).
11. Air Ticket & Account statement highlighting the transaction for Air ticket purchase.
4
Road Side 12. Certificate from Airline authority, in case of Air accident.
Assistance

5
Insurance
 FOR PURCHASE PROTECTION CLAIM
1. Original Claim form duly filled and signed.
2. Credit Card Copy (if not available, IDFC FIRST Bank declaration needs to be provided).
3. Proof of purchase (Original Bills).
4. Copy of FIR.
5. Bank statement highlighting the purchase was made through IDFC Credit Card.
FOR CREDIT SHIELD CLAIM
1. Original Claim form duly filled and signed by Bank.
2. Credit Card Copy (if not available, IDFC FIRST Bank declaration needs to be provided).
3. Copy of Death Certificate.
4. Bank Statement highlighting Outstanding Amount.
FOR LOSS OF CHECKED IN BAGGAGE
1. Claim form duly filled in and signed by the claimant: Original.
2. Card copy.
3. Complete Passport copy, if loss at international location.
4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT
Mandate form duly filled and verified by bank.
5. Boarding pass and Journey tickets: Original.
6. Property irregularity report (PIR) : Original.
7. No compensation certificate from Airlines; Original Invoices for the expenses incurred
for the purchase of basic essential items in view of the loss: Original.
FOR DELAY IN CHECKED IN BAGGAGE

1. Claim form duly filled in and signed by the claimant: Original Card copy.
2. Complete Passport copy, if loss at international location.
3. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
duly filled and verified by bank Boarding pass and Journey tickets: Original.
4. No compensation certificate from Airlines; Original Invoices for the expenses incurred for the
purchase of basic essential items in view of the loss: Original.
5. Declaration from Airline for the duration of delay or missed flight/ baggage.
FOR LOSS OF DOCUMENTS
1. Claim form duly filled in and signed by the claimant: Original.
2. Card copy.
3. Complete Passport copy, if loss at international location.
4. FIR Copy: Notarised/ Attested by a Gazetted officer.
5. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate
form duly filled and verified by bank.
6. Boarding pass and Journey tickets: Original.
7. Local Embassy confirmation for loss of passport.
FOR DELAY IN FLIGHT
1. Claim form duly filled in and signed by the claimant: Original.
2. Card copy.
3. Complete Passport copy, if loss at international location.
4. Cancelled Cheque of the claimant (with account holder's name printed) OR NEFT Mandate form
1 duly filled and verified by bank.
Airport 5. Boarding pass/Journey tickets: Original.
Lounge
6. No Compensation certificate from Airlines: Original.
7. Declaration from Airline for the duration of delay in flight.
2
Movie AGREED PANEL OF SURVEYORS
Offer

An Agreed Surveyor clause to form part of the policy which would imply in an event of a claim appointing
3 any one of the surveyors from the list below:
Railway
Lounge
1. Adept Surveyors, Mr. Saurabh Agarwal
4 2. N Kothhari & Co
Road Side 3. Sudhir Tandon
Assistance

*The above documentation is tentative in nature. Insurer may choose at its discretion to request
5 more documents for settlement purposes.
Insurance